The First National Bank Of Elmer
Cardholder Agreement
The undersigned ("I", "me" or "we"), in consideration of The First National Bank of Elmer ("you" or "your") issuing to me The First National Bank of Elmer's Visa Check Card ("CARD") or an Automated Teller Machine (also called "CARD"), hereby agrees to be legally bound by the following terms and conditions.
1. Accounts and Uses of CARD.
I have the account(s) including transaction & savings account(s) with you set forth on my application form. I hereby request that you issue to me one or more CARD(s) to be used in connection with such accounts as described in this Agreement.
I understand I may use my CARD with my Personal Identification Number ("PIN") at a MONEY ACCESS CENTER (STAR) automated teller machine ("ATM") to (a) withdraw cash from my accounts, (b) effect transfers to or from my accounts in the amounts I request, (c) make or arrange for deposits to my accounts or (d) receive information regarding the balance in my accounts.
I may also use ATMs throughout the United States and in certain foreign countries which bear the PLUS SYSTEM name and logo ("PLUS SYSTEM ATM") to (a) make withdrawals from, (b) effect transfers to or from or (c) receive information regarding the balance in my transaction or savings account that are designated as the primary account of each such type on my application.
I further understand that I may use the CARD at any retail establishment ("Merchant") wherever STAR or VISA is accepted to purchase goods and services and/or obtain cash where permitted by the Merchant ("Purchase"). If the transaction is processed using the VISA Check Card capability no Personal Identification Number (PIN) is required to authenticate and validate the transaction. The VISA purchase capability is not available with the Bank's ATM CARD. If I use the CARD to make a Purchase, I shall be requesting you to withdraw funds in the amount of such Purchase (including any cash received from the Merchant) from my primary transaction (checking) account designated on my application form and directing or ordering you to pay such funds to the Merchant.
I request that you provide to me such other services or access to other ATM systems or networks using the CARD which you make available and which you advise me are offered in connection with my account(s) set forth on my application form. I also understand that from time to time I may request in writing that you provide access to additional accounts of mine through the CARD you have issued to me. I agree that the uses of the CARD described in this Agreement shall be subject to the rules and regulations of each account, which is accessed by such Card.
2. Use of Personal Identification Number ("PIN") with the CARD.
I understand that a STAR or PLUS ATM is an automated teller. It can and will perform many of the same tasks as a human teller. I acknowledge that the PIN which I use with the CARD is my signature, identifies the bearer of the Card to the STAR or PLUS System or other network ATM and authenticates and validates the directions given just as my actual signature and other proof identify me and authenticate and validate my directions to a human teller. I also understand that a Merchant which accepts the CARD for a Purchase transaction may have an electronic terminal (Merchant operated or self service) which requires the use of my PIN and when my PIN is used at a Merchant's terminal, it will authenticate and validate the directions given just as my actual signature will authenticate and validate my directions given to you.
I acknowledge that my PIN is an identification code that is personal and confidential and that the use of the PIN with the CARD is a security method by which you are helping me to maintain the security of my account(s). Therefore, I AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS MY PIN.
3. Liability for Unauthorized Transactions.
I AGREE TO CONTACT YOU AT ONCE if I believe the CARD(s) issued to me or my PIN has been lost or stolen or money is missing from my account(s). I also agree that if my money statement shows transactions which I did not make, and I do not contact you within 60 days after the statement was mailed to me, I may not get back any money lost after that time. I AGREE THAT IF I GIVE MY CARD(s) AND PIN TO SOMEONE ELSE TO USE, I AM AUTHORIZING THEM TO ACT ON MY BEHALF AND I WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM.
4. How to Contact The First National Bank of Elmer.
I agree to contact The First National Bank of Elmer immediately, if I believe the CARD issued to me or my PIN has been lost or stolen or that an unauthorized transfer or Purchase from any of my accounts has occurred or might occur, by phoning, and by confirming such information in writing to you at:
The First National Bank of Elmer
10 South Main Street
PO Box 980
Elmer NJ 08318-0980
Phone 856-358-8141
Normal Hours Monday through Friday 8:30 - 4:30 PM EST
AFTER NORMAL BUSINESS HOURS
LOST OR STOLEN "VISA CHECK CARDS ONLY" CALL 1-800-472-3272
5. Charges.
I agree to pay the charges or transaction fees which are charged by you for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time.
6. Deposits.
I agree that when I make a deposit at a STAR ATM that you have the right to verify the deposit before you make the money available to me. If I deliver cash, checks or other items to a STAR ATM, I understand and acknowledge that the funds from my deposit may not be available for immediate withdrawal and that the availability of my deposit shall depend on your rules and regulations regarding the particular account in which I am making a deposit, the items that I am depositing and whether the deposit is made at a STAR ATM that is owned by you or another financial institution. I also understand and acknowledge that not all STAR ATMs may accept deposits and some STAR ATMs may limit the amount of funds, which may be deposited, and you may not control these limits.
7. Liability.
If the CARD is issued for a joint account, we agree to be jointly and severally liable under the terms of this Agreement and the agreement for such account.
I agree that if I make deposits to my account(s) with items other than cash (checks, drafts or other items) and you make funds available to me from such deposits prior to their collection, I agree that you may deduct the amounts of such funds from my account(s) which are not collected or, if the funds in my account(s) are insufficient at such time, I will promptly pay to you any amount of such funds which are not collected.
8. Amendment of this Agreement.
I agree that from time to time you may amend or change the terms of this Agreement including amendments or changes to add further CARD services or to amend or change the charges for these services. You may do so by notifying me in writing of such amendments or changes and my use of the CARD after the effective date of any such amendment or change shall constitute my acceptance of and agreement to such amendment or changes.
9. Ownership.
I agree that the CARD is your property and I will surrender it to you upon your request. I agree that the CARD is non-transferable.
10. Agreement
I/we hereby agree to the terms and conditions contained in this Agreement.